Yintoni ongayenza Xa uhlola iimali Ungafani

Hlola iimali Ungafani

Xa ubhala isheke , kufuneka ucacise isixa-mali usebenzisa amanani (ebhokisini kwicala lasekunene) kunye namagama (kumgca othi "Phatala"). Lo mkhuba unceda ukuphepha ukudideka; Ukuba kunzima ukufunda icandelo elinye, unako ukuhlolisisa rhoqo ukusebenzisa elinye icandelo. Ngamanye amaxesha iimali ezibhaliweyo kwisheke azifani. Umzekelo, isheke singabonisa ixabiso leenombolo "$ 100," kodwa ithi kufanele ihlawulwe "iidola ezilishumi." Kwenzeka ntoni xa la manani engafani?

Amagama ngokuNombolo

Xa inani lesheke lingabonakali, amagama abhaliweyo acingwa ukuba yimali echanekileyo. Amanani abhalwe phantsi ngamazwi acacile; usasazi ukuba ingakanani isheke, nangona awukwazi ukwenza isigqibo seeleta. Ngakolunye uhlangothi, inani leenombolo alinanto engenakunceda ukuba ngaba nzima ukufunda. Isiqendu 3.114 seKhowudi yeShishini lokuShishini (UnCorporated Code Code) (i-UCC), isethi yemithetho yokuthengiselana kwezoshishino, icacisa indlela ukudideka okufuneka kulandelwe ngayo:

"Ukuba isixhobo sinemigaqo engqubuzanayo, imiqathango yokubhala ifana nemigqaliselo ebhaliweyo, amagama abhalwe ngesandla abambelele kokubili, kwaye amagama anqoba amaninzi."

Enyanisweni, ibhokisi ebhala idijithi yamanani ebizwa ngokuba yi "bhokisi enesidima," ngelixa umgca obhala ngawo amagama kuthiwa "umgca wezomthetho."

Oko kwenzeka ngokwenene

Amagama abhaliweyo kufuneka axilise amadijithali, kodwa akwenzeki njalo.

Xa isheke lifakwa, nabani na ojongene nesheke angeke baqaphele ukuba kukho ukungafani. Kwezinye iimeko, banokujonga kuphela amanani kwibhokisi enesidima kwaye benze inkqubo yokukhangela inani elingalunganga.

Kulula ukuba oku kwenzeke. Cinga ngolu hlobo xa ufumana isheke: ngaba ubheka iinombolo kwibhokisi efanelekileyo, okanye ufunda inani elivela kumgca wezomthetho?

Uninzi lwabantu lujonge kwibhokisi enesidima kuba likhawuleza kwaye lilula (ngezinye izihlandlo lisebenza nakwabaxhasi abaxakekileyo kunye nabaqhubi be-ATM abamba idiphozi).

Kungenzeka ukuba akuyikuphela kwehlabathi ukuba isheke iqhutywe ngokusekelwe kumanani kwibhokisi enesidima - ngamanye amaxesha loo mali ibhaliweyo yombhali ohlose ukuhlawula kwaye yiloo nto umlindeleyo . Nangona kunjalo, akusiyo ingcamango efanelekileyo yokusebenzisa iireki xa iimali zingahambelani, nokuba ngaba ucinga ukuba uhamba nayo. Ibhanki esebenza emva kweembonakalo inokufumana ukuphikisana kwaye yenza iinguqulelo ezingavumelekanga zeakhawunti kamva.

Kwenziwe ntoni

Naliphi itekisi inamanani aphikisanayo, kulunge ukusebenzisa isheke ehlukile. Kwezinye iimeko kuya kuba yinto engeyiyo, kodwa akufanelekanga ingozi yokujongana neengxabano kunye nokulibaziseka. Ukuba ubhala isheke, vala isheke kwaye ubhale entsha. Ngaphandle koko, awukwazi ukuba bunjani ibhanki yakho yeebhanki iya kuqhuba isheke. Khawuqwalasele umzekelo ngeentlawulo zempahla : ukuba imali yakho ayifani, yintoni eya kwenzeka?

Ukuba ibhanki ithatha ngaphantsi kwenkokhelo yakho, unokufuneka uhlawule izigwebo zokuhlawulwa kwexesha elide, kwaye i-credit yakho inokubandezeleka ukuba ibonakala ngathi awuyi kuhlawula iintlawulo zakho. Ukuba ibhanki ithatha okungaphezu kokufunayo, unakho ukuhlawula ngekheshi kwi- akhawunti yakho yokukhangela , kwaye awuyi kuvunyelwa ukunciphisa intlawulo yakho ukuba uyenze kule nyanga elandelayo.

Ukuba ufumana isheke ngeenombolo ezingafaniyo, izinto azilula. Kungaba nzima okanye kungenakwenzeka ukufumana enye ingotshe, kodwa mhlawumbi kulungele ixesha lakho ukuzama. Ukuba isheke iqhutyelwa ngaphezulu kunokuba kuhlosiwe, uya kuba nomthengi ongenakonwaba ezandleni zakho (okanye umntu unokurhoxisa i- akhawunti yebhanki yakhe ). Ukuba isheke iqhutyelwa ngaphantsi kunokuba ulindelwe, awukho kwinhlanhla ngaphandle kokuba ungayifumana ngandlela-thile imali efunekayo.